Deposit Services

An elevated everyday banking experience with service that’s not just personalized, it’s personal

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A more thoughtful approach to managing what you’ve built

Your deposits are more than checking and savings accounts—they’re the foundation of a more connected financial life. With a dedicated private banker who knows your goals, your cash is managed with intention and precision, offering flexibility, insight and premium benefits that evolve as your relationship grows.

A smartphone displaying the Associated Bank application
A smartphone displaying the Associated Bank application

Deposit accounts that do more than hold money

Private banking brings best-in-class service and relationship-based benefits designed with you in mind.

Choice Checking

Experience these next-level¹ when you reach Emerald-class status:

  • Higher interest rates²
  • Credit Monitor+³ with ID Protect & Restore⁴ and Privacy Defender.⁵
  • Annual Reserve Rewards+ credit card membership fee reimbursed.⁶
  • Fee Free with Emerald Private Choice.⁷

Savings and Money Market

  • Enhanced availability of funds
  • Exclusive Emerald Private Choice interest rates, ATM fee refunds and fee-free features
  • Check writing with money market accounts

Certificates of Deposit

  • Access to Certificate of Deposit Account Registry Service (CDARS®)⁸ program for greater FDIC coverage.
  • CD specials with additional term options.

Premium card benefits for private banking clients

Our World Debit Mastercard gives you access to the best benefits⁹ a debit card has to offer. Choose the card that matches your lifestyle to receive a suite of exclusive, perks and discounts.

  • Concierge service

  • Mastercard ID Theft Protection¹⁰
  • VIP Travel¹¹
  • World-Class Shopping
  • Enhanced Security Benefits
  • And more

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A banking relationship designed to go further

With your dedicated private banker as your go-to partner, managing your money becomes simpler and more personal. You can count on your everyday banking being handled with care while working seamlessly within your broader wealth strategy.

Connect with an Associated Bank Private Banking professional.

Call 800-991-7706
Monday–Friday, 7 a.m. to 9 p.m. CT
Saturday, 8 a.m. to 5 p.m. CT

Frequently Asked Questions

 Private banking services are available to clients with banking and investment balances totaling $500,000 or more. 

Our first agenda item is listening to what’s on your mind so we can address your needs. We take a wealth planning approach starting with your short- and long-term goals. We then cover topics such as deposit and credit needs, plus additional priorities including retirement, investment and estate planning. We will also talk through our service agreement, setup your accounts, summarize next steps and schedule your next meeting. 

Speak to your private banker about rate options or you can view deposit rates online at AssociatedBank.com/rate-center

Our private banking clients have exclusive access to our Visa® Reserve Rewards Credit Card.  

Even the feel of Associated Bank’s exclusive Visa® Reserve Rewards credit card lets you know it’s something special. This distinctive card goes beyond ordinary benefits—it opens the door to high-end opportunities, perks and rewards.  

Enjoy 24/7 access to experienced representatives. When life gets busy, your private banker will gladly call Cardmember Services on your behalf.  

Save time and simplify your life with the complimentary Visa Signature Concierge Service. This service can help find tickets to top sports and entertainment events, book travel, reserve tee times, make dinner reservations and even help you find the perfect gift. Call anytime, 24 hours a day, seven days a week. You are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on your behalf.  

Subject to credit approval. The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. 



  1. You must meet and maintain enhanced Choice Checking benefit tier qualifications for Platinum Choice, Emerald Choice, or Emerald Private Choice, listed on the Associated Choice Checking Product Disclosure, to obtain enhanced benefits. Calculations are completed at the end of the calendar month, if qualifications are met benefits will start within 60 calendar days. (1419)

  2. You must meet and maintain enhanced Choice Checking benefit tier qualifications for Platinum Choice, Emerald Choice or Emerald Private Choice, listed on the Associated Choice Checking Product Disclosure, to obtain enhanced rates on Associated Choice Checking, Associated Relationship Savings, and Select Money Market accounts. For current rates, refer to an Associated Bank Deposit Account Rates Sheet or ask a banker for more information. (1415)

  3. To use Credit Monitor, eligible customers 18 years or older must log in to digital banking, activate the feature, and accept the terms and conditions. Information provided through Credit Monitor is obtained by Experian. For more information, visit the Credit Monitor information page. (1485)

  4. Customers eligible for Credit Monitor+ have access to Identity Protect & Restore services. Eligible customers 18 years or older must meet and maintain enhanced Choice Checking benefit tier qualifications for Platinum Choice, Emerald Choice or Emerald Private Choice, or listed on the Associated Choice Checking Product Disclosure, or have a Colleague Checking account or a Private Banking account. Review applicable product disclosure for more details. For details about identity monitoring, restoration, and insurance see the Credit Monitor section of the Digital Banking Service Terms and Conditions. (1489)

  5. You must meet and maintain the benefit tier qualifications for Emerald Choice or Emerald Private Choice, listed on the Associated Choice Checking Product Disclosure. To use Privacy Defender, eligible customers must log in to digital banking, activate the feature, and accept the terms and conditions. For more information, visit the Privacy Defender section of the Digital Banking Service Terms and Conditions. (1527)

  6. Emerald Choice will receive the first qualified year reimbursed. Emerald Private Choice will receive every year reimbursed. You must meet and maintain the benefit tier qualifications for Emerald Choice or Emerald Private Choice, listed on the Associated Choice Checking Product Disclosure, in the month that your Reserve Rewards+ credit card annual membership fee is assessed for the annual membership fee to be reimbursed. Your credit card annual membership fee will be charged and reimbursed within 1-2 statement months. (1528)

  7. You must meet and maintain the benefit tier qualifications for Emerald Private Choice, listed on the Associated Choice Checking Product Disclosure, to receive fee free benefits. Benefits extend to your Associated Relationship Savings accounts and Select Money Market accounts currently open under the same consumer customer profile. Select fees may appear on your account statement and will be refunded within 3-5 business days. (1526)

  8. Deposit placement through CDARS® or ICS® is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS® or ICS® satisfies any restrictions on its deposits. A list identifying IntraFi® network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi® and ICS® are registered service marks, and the IntraFi® hexagon and IntraFi® logo are service marks, of IntraFi® Network LLC. (1470)

  9. Mastercard ID Theft Protection™, Extended Warranty, Purchase Assurance, Satisfaction Guarantee, Mastercard Global Service, and Mastercard Airport Concierge™ are provided through Mastercard Guide to Benefits. Certain terms, conditions and exclusions apply. See Mastercard Guide to Benefits for full details. (1244)

  10. This benefit is provided by Generali Global Assistance Inc. Certain terms, conditions and exclusions apply. Please see your Guide to Benefits for details or call 1-800-Mastercard. (1245)

  11. Certain terms, conditions and exclusions apply. See here for full details. (1472)

  • Investment, Securities and Insurance Products:

    NOT
    FDIC INSURED
    NOT BANK
    GUARANTEED
    MAY
    LOSE VALUE
    NOT INSURED BY ANY
    FEDERAL AGENCY
    NOT A
    DEPOSIT

     

  • Associated Bank and Associated Bank Private Wealth are marketing names Associated Banc-Corp (AB-C) uses for products and services offered by its affiliates. Securities and investment advisory services are offered by Associated Investment Services, Inc. (AIS), member FINRA/SIPC; insurance products are offered by licensed agents of AIS; deposit and loan products and services are offered through Associated Bank, N.A. (ABNA); investment management, fiduciary, administrative and planning services are offered through Associated Trust Company, N.A. (ATC); and Kellogg Asset Management, LLC® (KAM) provides investment management services to AB-C affiliates. AIS, ABNA, ATC, and KAM are all direct or indirect, wholly-owned subsidiaries of AB-C. AB-C and its affiliates do not provide tax, legal or accounting advice. Please consult with your advisors regarding your individual situation. (1024)

  • Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. (1114)

  • Visa and the Visa logo are registered trademarks of Visa International Service Association. (1115)